Q2 2025 Capri Global Capital Ltd Earnings Call Transcript
Key Points
- Capri Global Capital Ltd (BOM:531595) reported a strong growth momentum in Q2 FY25 with AUM reaching INR19,273 crores, marking a 56% year-on-year increase.
- The company launched new products such as Micro LAP and rooftop solar loans, expanding its product offerings and tapping into new markets.
- Net interest income for Q2 FY25 increased by 22% year-on-year to INR305 crores, driven by robust growth in the loan book.
- The company has implemented several AI-driven initiatives to enhance operational efficiency and customer engagement, including AI-driven Data Genie and Capriglobal.ai chatbot.
- Capri Global Capital Ltd (BOM:531595) maintained a strong liquidity position and plans to raise up to INR1,000 crores via NCD issuance to support further growth.
- The cost-to-income ratio, although improved, remains relatively high at 64.3% in Q2 FY25.
- The company faces competitive pressure in the car loan segment, impacting profitability due to higher commission costs.
- Despite efforts to diversify income streams, noninterest income as a percentage of total income has shown a slight decline.
- The company is experiencing challenges in scaling new initiatives like Micro LAP, with early-stage growth still in progress.
- Regulatory compliance requirements have increased operational costs, although they have not significantly impacted business operations.
Ladies and gentlemen, good day, and welcome to Capri Global Capital Limited Q2 FY25 earnings conference call hosted by Go India Advisors. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Hardik Doshi from Capri Global Capital Limited. Thank you, and over to you, sir.
Good afternoon, everyone, and welcome to Q2 FY25 earnings call for Capri Global Capital. This is Hardik Doshi, Head Corporate Finance & Investor Relations. I shall read out a brief disclaimer for today's call. The discussion on today's call regarding Capri Global Capital Limited's earnings performance will be based on judgments derived from the declared results and information regarding business opportunity available to the company at this time. The company's performance is subject to risks, uncertainties and assumptions that could cause actual results to differ materially in the future.
Given these uncertainties and other
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